I know to what you are reffering, but im sorry to say that you are wrong about a couple of things, let me clear up what it is. The insurance comapy we use exclusivley is P.A.S. ( policy admin services ) . Now bear with me if you will, when you take out a contract from phones for you we accually provide you with a letter warning customers about fraudulent insurance companies doing exactly what you have descibed. It tends to happen more ( but not soley ) with vodafone. The way the fraudsters works is as follows. When you purchase a phone , from voda if it's a new connection ie a new number you will be presented with a screen of which you can select a number. Now these numbers are produced numerically ( this is important, i shall explain why in a mo ) . So you choose your number , say for example you chose a number that ended 1234. What happens is these fraudulent companies buy a voda contract and ar allocated a number just like everyone else, the imporant thing is with this number they just inrease th numerical digits knowing that these numbers are all phones that are being recently connected , then what they do is phone the number up , knowing they are phoning a brand new connection and will claim to be either phones 4 u , pas, or the network and say something like " this is phones 4 u , we have checked our records and we can save you money on your insurance, if you could just confirm you bank details etc" They get all the infomation they need, and bam they take money out of your account . This in no way benefits phones 4 u, its costs the company money as customers are sometimes told to cancel the direct debit of their genuine insurance. Pas and the police have been involved in shutting these operations down, but it just tends to be a guy in an office, so they do tend to spring back up. It causes us trouble instore obviously because customers come in about it. When you buy a contract with us and if it has insurance , our contract automatically print out a letter purley about the problem, althouigh personally i think alot of people dont look at it. For my store personally i do point it out and tell customers to read it. However we have no other way to stop it from happening. One last thing, i have spoke to customers who have been called but whom have read the letter or been pre warned and they have told me that when they get a call, they have said to the fraudulent companies they have been pre warned against them , the people on the phone sometimes get very abusive , typical of the criminla scum they are.